Income protection insurance through your union - collective schemes and membership agreements

One collective income protection is automatically included in your membership – all members pay and are covered. An individual income protection policy is something you choose and pay for yourself, often through a discounted group agreement. If you already have collective cover, check whether an individual policy on top makes sense: collective policies typically only cover a smaller amount or a shorter period.

Last verified 1 October 2026.

News

Dansk Metal provides free income protection from 1 January 2027

Up to 4,000 DKK/month on top of the unemployment benefits for up to 6 months - and membership fees is lowered by 100 DKK/month

Insurance company not disclosed. Time limits: report in by 30.11.2026 for lower quota from December and by 31.12.2026 for income protection without waiting from 1.1.2027.

See all terms →

Collective income protection (automatic membership)

HK Collective Income Protection

Fully paying HK member – automatically included

Price: 55 DKK/month - charged with membership fees
On top of unemployment benefits: max. 38,292 DKK/month
Coverage: 80 %
Period: Maximum 6 months (962 hours full-time / 780 hours part-time)
Qualifying period: 9 months of continuous employment within HK's territory + 9 months of payment

Sources: HK: HK Collective Income Protection Insurance · HK: Insurance conditions (PDF) · HK: That's how much you can get out of HK Trade's Income Protection Insurance

BUPL Collective Income Protection

Member of both BUPL and BUPL-A – automatically included

Price: 27 DKK/month including fees and charges
On top of unemployment benefits: max. 3,500 DKK/month
Coverage: 90 %
Period: Up to 12 months - max. DKK 24,000 per payment period
Qualifying period: 6 months' membership / deposit + 6 months in a BUPL contractual post

Sources: BUPL: Income protection insurance · LB Insurance: collective income protection · BUPL: Terms of Income Protection Insurance 2024 (PDF)

Socialpædagogernes Income Protection

Paying member of Socialpædagogerne and Socialpædagogernes a-kasse – automatically included

Price: 50 DKK/month (approx. 34 DKK after deduction)
On top of unemployment benefits: Not disclosed – see terms
Coverage: 80 %
Period: Maximum 6 months (962 hours)
Qualifying period: 1 year of membership and deposit (graduates: 6 months of employment + 3 months of continuous work)

Sources: Socialpædagogerne: Income protection insurance · Alka: Socialpædagogerne’s Income Protection

TL Income Protection

Member of TL and Teknikernes A-kasse – included in membership

Price: 105 DKK/month (2026) - approx. 72 DKK after deduction
On top of unemployment benefits: max. 38,292 DKK/month
Coverage: 80 %
Period: Up to 6 months per period of unemployment
Qualifying period: 9 months of membership of TL and Technician unemployment insurance fund

Sources: TL: Get answers about TL Income Protection Insurance · TL: Income Protection Insurance Calculator · TL / Alka: Collective income protection insurance - conditions (PDF)

Frie Income Protection Gratis

Member of Frie’s unemployment insurance fund + trade union (704 kr./md. in total)

Price: DKK 0 extra - included in unemployment insurance fund + union
On top of unemployment benefits: max. 7,500 DKK/month
Coverage: 90 %
Period: Up to 6 months (maximum 130 days) per unemployment period - maximum 3 periods
Qualifying period: 5 months

Sources: Frie: Income Protection · Frie: Insurance Terms Frie Income Protection Insurance (PDF)

Dansk Metal free income protection (new from 2027)

Fully paying member of Dansk Metal and Metal A-kasse – automatically included

Price: Free – membership fees are also reduced by 100 kr./md. from December 2026.
On top of unemployment benefits: max. 4,000 DKK/month
Coverage: 90 %
Period: Up to 6 months
Qualifying period: Member of the Dansk Metal and Metal Unemployment insurance fund by 31.12.2026: none. Submitted from 1.1.2027: 9 months membership

Insurance company not disclosed. Time limits: report in by 30.11.2026 for lower quota from December and by 31.12.2026 for income protection without waiting from 1.1.2027.

Sources: Dansk Metal: Reduced membership fees and free income protection · Ritzau: Dansk Metal lowers membership fees and launches new pay assurance (19.06.2026)

Trade unions' group agreements (you buy yourself)

Djøf Income Protection

Djøf member + member of a recognised unemployment insurance fund

Price: Depends on selected coverage
On top of unemployment benefits: max. 40,000 DKK/month
Coverage: 90 %
Period: 6 or 12 months per unemployment - max. 36 months in total; no payment after 64 years
Qualifying period: 9 months

Sources: Djøf: Income Protection · Topdanmark: Djøfs Income Protection Insurance

IDA Income Protection

Member of IDA or Akademikernes A-kasse + member of a Danish unemployment insurance fund

Price: See IDA Insurance Price List
On top of unemployment benefits: max. 60,000 DKK/month
Coverage: 90 %
Period: Maximum 36 months in total
Qualifying period: 9 months (no job loss coverage within 9 months after purchase)

Sources: IDA Insurance: Income protection insurance · IDA Insurance: Income protection insurance and cover (FAQ) · IDA Insurance: Price list

DM Income Protection

DM member and Plus customer of Alm. Brand

Price: Individual - calculated at Alm. Brand
On top of unemployment benefits: Not disclosed – see terms
Coverage: 90 %
Period: 12 months at a time
Qualifying period: Not disclosed – see terms

Alm. Brand’s product page requires JavaScript. The publicly available Alm. Brand income protection terms are from 2018 and are therefore not used.

Sources: DM: DM Income protection insurance · Alm. Brand: DM Income Protection Insurance

Lederne Income Protection

Member of Lederne, Lederne Spring or Lederne Virksom + Ledernes A-kasse

Price: From 40 DKK/month
On top of unemployment benefits: max. 60,000 DKK/month
Coverage: 90 %
Period: 6 or 12 months
Qualifying period: 6 months (30 days for incapacity)

Sources: Lederne: What is Income Protection Insurance · Lederne: Insurance conditions 2026 (PDF) · Virksom/Lederne: Fact sheet (PDF)

Business Danmark Income Protection

Membership of Business Danmark

Price: The premium increases 10% at 55 years and 25% at 60 years
On top of unemployment benefits: Not disclosed – see terms
Coverage: 90 %
Period: Up to 360 days per injury - up to 3 periods of injury (270 days from 55 years, 180 days from 60 years)
Qualifying period: 6 or 9 months (depending on policy)

Sources: Business Danmark: Income Protection Insurance FAQ